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Certainty of a fixed repayment
Flexible repayment options
Split loan available
Relax and enjoy the security of a fixed rate.
Fix your rate* for up to five years with our Fixed Rate Home Loans, providing you with the certainty of knowing your repayments won't change during the fixed rate period. This can help you to confidently manage your budget and plan for the future, so you can spend more of your time enjoying it.
- Flexible repayment options - weekly, fortnightly, or monthly
- Extra repayments available
- Redraw available4
- Get Ahead Start Guarantor option
| Fixed Term | Repayment Type | Interest Rate | Comparison Rate |
| 1 year | Principal and Interest | 5.85% p.a. | 5.91% p.a. |
| 2 years | Principal and Interest | 5.50% p.a. | 5.56% p.a. |
| 3 years | Principal and Interest | 5.70% p.a. | 5.76% p.a. |
| 4 years | Principal and Interest | 5.95% p.a. | 6.01% p.a. |
| 5 years | Principal and Interest | 5.95% p.a. | 6.01% p.a. |
| 1 year | Interest Only | 6.25% p.a. | 6.30% p.a. |
| 2 years | Interest Only | 6.25% p.a. | 6.30% p.a. |
| 3 years | Interest Only | 6.25% p.a. | 6.30% p.a. |
| 4 years | Interest Only | 6.30% p.a. | 6.35% p.a. |
| 5 years | Interest Only | 6.35% p.a. | 6.40% p.a. |
Product Features:
Home Loan Features |
|
|---|---|
| Minimum loan amount : | No minimum |
| Maximum LVR : | 80% (dependant on loan purpose and security offered) |
| Maximum LVR with Lenders Mortgage Insurance : | 95% (subject to approval) |
| Get Ahead Start Guarantor (borrow up to 100% LVR) : | Yes |
| Maximum loan term : | 30 years |
| Interest calculation : | Calculated daily, charged monthly |
| Repayment type : | Principal & Interest; Interest Only |
| Repayment frequency : | Principal & Interest :- weekly, fortnightly or monthly; Interest Only :- monthly |
| Establishment fee : | $500 |
| Monthly loan fee : | $0 |
| Package fee : | $0 |
| Extra repayments : | Up to $10,000 per annum |
| Interest offset : | No |
| Redraw : | Yes |
| Pre-approval : | Yes |
| Loan preparation fees : | At cost |
| Increase/top up : | Not during fixed period |
| Second mortgage security : | Yes |
| Vacant land as sole security : | Yes |
Apply now in under 15 minutes
You will need to know your income details, expenses and existing loans and commitments
Still have questions?
Our friendly team is ready to help you. Call us 9:00am - 5:00pm, weekdays
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Experience the G&C Mutual Bank difference
Established in 1959, G&C Mutual Bank has since grown to be one of Australia’s strongest member-owned financial institutions. We are a member focused, values-driven organisation where member interests are not in conflict with shareholder interests. We’re a bank for you, the people you work with, and the people you know. A more rewarding community bank for everybody. It's your bank, because you own it.
Our awards
Canstar has named G&C Mutual Bank the 2024 Customer Owned Bank of the Year – Home Loan Refinance. Recognising our outstanding home loans as well as additional services offered that benefit property owners in making informed decisions when refinancing. G&C Mutual Bank also received awards from Mozo for our Fixed Rate Home Loans.
*At the end of the fixed rate period the loan will continue as a fixed rate loan for the same period, unless you choose a different fixed rate period or a variable rate product.
